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42653, KY Homeowners Insurance Rates

With a population size of 4,201 and with 1,698 occupied homes in the 42653 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Whitley City, KY are around $863 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Whitley City, Kentucky. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Kentucky home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Whitley City, KY.

For Kentucky home insurance information, including average Whitley City home insurance rates, coverage options or the different homeowners insurance types, please select Whitley City, KY Home Insurance Quotes Now!

42653 Home Insurance Average Premiums

Local 42653 homeowners insurance quotes comparison

$613 /yr.

Shows Zip Code: 42653 lowest rates with discounts applied on average.

For the 42653, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$613 /yr.
Average Coverage:$863 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1163 /yr.

What is the average home insurance cost for a home in 42653?

  • • The average homeowners insurance premium paid annually for a home in 42653 is around $863 per year.

What does it cost on average per month for home insurance in 42653?

  • • Homeowners in 42653 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 42653?

  • • Autoowners in 42653 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Whitley City area, check out other zip codes nearby 42653.
Review average rates in another zip code:
42653 homeowners insurance rates

Home Replacement Cost Coverage in 42653

Average Building Cost Per Square Foot in 42653: $118

Location: Whitley City, Kentucky (Mccreary County)

Average Square Footage in 42653: 767 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 42653 before you start any project. Whitley City homeowners pay on average around $118 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 42653 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 42653 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 767 sq. ft. and the average cost to rebuild the home in this area is around $118 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Whitley City area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$118767$90,500
Additional Upgrades & Added Features$148767$113,125
Major Home Updates or Advancements$177767$135,750

It's important to understand that when you estimate your replacement cost of your home in the 42653 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 42653

Best Home & Auto Insurance Agencies in 42653

Crabtree Wilson Insurance Agency Inc

Address: 86 Southfork Centre Whitley City, KY 42653
Phone:
Website: http://www.crabtreewilson.com
Info:

Housing Demographics for 42653

Population Review for 42653 Zip Code

For the city of Whitley City, the population within 42653 has increased to over 3,291 residents in population size. The current population total is 4,201. We have broken down the population based on race below. In 42653, there are over 2109 in male population and 2092 females.

PopulationValues
Total Population4,201
White Population3993
Black Population9
Hispanic Population59
Asian Population8
Hawaiian Population2
Indian Population15
Other Population33
Male Population2109
Female Population2092
Population Estimate3291

Household Data for 42653

The average number of homes in 42653 is around 1,698, there are an average of 2.46 per household. The average house value according to local real estate values is around $90,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,698
Persons Per Household2.46
Average House Value$90,500
Income Per Household$29383
Median Age38.9
Median Age Male38.2
Median Age Female39.4
42653 DetailsValues
StateKY
State Full NameKentucky
City TypeP
City Alias Abbreviation
Area Code606
CityWhitley City
City Alias NameWHITLEY CITY
CountyMccreary
County FIPS147
State FIPS21
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses88
Number Of Employees790
Business First Quarter Payroll4930
Business Annual Payroll20211
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District05
Congressional LandArea11235.15
Delivery Residential1338
Delivery Business44
Delivery Total2219
Preferred Last Line KeyX16791
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX16791
Land Area81.200000
Water Area1.239000
City Alias Code
City Mixed CaseWhitley City
City Alias Mixed CaseWhitley City
Box Count718
SFDU1211
MFDU0
State ANSI21
County ANSI147
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number208340
Unique ZIP Name
SSA State County Code18730
Medicare CBSA Code99918
Medicare CBSA NameRural Areas in KY
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseMccreary

Kentucky Homeowners Insurance News & Information

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